Collection Services

Collection Services

Since 1949, Merchants Credit Bureau has been helping clients achieve their collection-related goals.

Our experienced personnel, proven process, and leading-edge technology combined provide for high recovery rates without alienating your customers.

Professional Nationwide Consumer and Commercial Collection

  • Lowest Rates in the Industry with the Highest Recovery
  • Bonded, Licensed and Insured

Utilizing the latest technology, collections agency programs, and a highly skilled team of professionals, we are changing the way that collection agencies operate. Our purpose is to customize a program for each of our clients that will dramatically increase the monies recovered from past due accounts, as well as decrease the amount of time accounts are outstanding.

All staff is monitored on a daily basis. Compliance is achieved by quality control testing to ensure we are following all state laws in regards to debt collection. In addition, this office monitors Fair Debt Collection Practices Act (FDCPA), which is the Federal legislation governing debt collection. Merchants Credit Bureau is in full compliance with the Fair Debt Collection Practices Act (FDCPA) and is HIPAA Compliant.

Our Services

Our Mission

Merchants Credit Bureau’s objective is to build a partnership with each client to develop a plan to reduce days sales outstanding and maximize dollars collected. We will use all of our resources and expertise to provide you exceptional services. If your debtors are repeat customers, you can count on us to ensure that your current customer relationships remain intact. It is not our money; it is yours. We succeed only when we collect it for you.

Commercial and Consumer

  • Collections
    MCB handles all types of debt: Business to Business, Business to Consumer, or Medical Accounts. Progress reports are automatically sent to our clients monthly, quarterly, or bi-annually. You can use our secure online tools for viewing our work effort, down to the account level.
  • Electronic Data Transmission
    We are in the process of accepting referrals electronically. Accounts can be submitted directly to MCB via e-mail, Excel spreadsheet, Adobe, or via our website.
  • Skip Tracing
    We have the resources to locate delinquent debtors who have relocated or reported incorrect, pertinent information to you.
  • Credit Reporting
    We provide information to all commercial and consumer credit reporting agencies in regard to delinquent accounts – at no cost to our clients.

* Litigation

With written authorization from our clients, we will pursue debtors through the court system by obtaining a judgement to settle disputes in regards to bad debts. The legal action will be filed in our name; however, will not change the clients right to payment, but will simply allow us to present your account to the courts.

We offer competitive rats that are comparable to other agencies. Our recovery rates are measurably higher based on the average rates as documented by ACA International.

Maximum effort is employed by the agency in “skip tracing.” State of the art technologies are utilized. MCB has the capability to access all three national repositories of consumer credit information as well as other databases. In addition, full cross reference directories, city directories information, etc. are utilized. The use of social security number searches, address update searches, to include the national change of address data from the US Postal Servce is maximized. Additionally, all “skips” are reported to Experian Credit Data Division, consumer credit reporting system, which automatically notifies this agency regarding new address or employment information, based upon credit probe in behalf of the debtor.

Consumer Information

  • Equifax
    To report fraud call 800-525-6285
    P.O. Box 105069
    Atlanta, GA 30348
  • Experian (formerly TRW)
    To report fraud call 888-397-3742
    P.O. Box 9532
    Allen, TX 75013
  • TransUnion
    To report fraud call 800-680-7289
    P.O. Box 6790
    Fullerton, CA 92834